Mortgage Lenders and Brokers in Key West, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Key West, Florida mortgage lenders include First Horizon BankFirst Horizon Bank330 Whitehead St, Key West, FL 33040A+5.0 ★Texas Ratio: 5.76%, Bank of America NABank of America NA3200 Flagler Ave, Key West, FL 33040A+5.0 ★Texas Ratio: 4.14%, Centennial BankCentennial Bank701 Whitehead St, Key West, FL 33040A+5.0 ★Texas Ratio: 3.14%, Truist BankTruist Bank1010 Kennedy Dr, Key West, FL 33040A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA3131 Northside Dr, Key West, FL 33040A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank850 Park Shore Drive, Naples, FL 34103A+5.0 ★Texas Ratio: 4.11%, Prime Meridian BankPrime Meridian Bank2201 Crawfordville Hwy, Crawfordville, FL 32327A+5.0 ★Texas Ratio: 2.17%, Fifth Third Bank, National AssociationFifth Third Bank, National Association254 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 3.22%, and TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Key West, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Key West are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Key West, Florida
Market share is the lender's share of all home loans closed in Key West, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 5 stars, 1 review 2 offices in Key West 330 Whitehead St, Key West, FL 33040 A+5.0 ★Texas Ratio: 5.76% |
Conventional, FHA, VA, Jumbo, HELOC | 58 +6 HELOCs |
26.9% | 84.1% | $633,793 | View |
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1 office in Key West 3200 Flagler Ave, Key West, FL 33040 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 4 | 1.9% | 57.1% | $2,017,500 | View |
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3 offices in Key West 701 Whitehead St, Key West, FL 33040 A+5.0 ★Texas Ratio: 3.14% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.4% | 100% | $738,333 | View |
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★ 1 stars, 1 review 1 office in Key West 1010 Kennedy Dr, Key West, FL 33040 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +3 HELOCs |
0.9% | 66.7% | $765,000 | View |
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1 office in Key West 3131 Northside Dr, Key West, FL 33040 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 0.9% | 66.7% | $1,295,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.4% | 75% | $791,666 | View |
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850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, Jumbo | 3 | 1.4% | 100% | $968,333 | View |
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2201 Crawfordville Hwy, Crawfordville, FL 32327 A+5.0 ★Texas Ratio: 2.17% |
Conventional, Jumbo | 2 | 0.9% | 100% | $905,000 | View |
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254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 2 | 0.9% | 100% | $905,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 2 | 0.9% | 100% | $905,000 | View |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $595,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $805,000 | View |
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8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
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400 N Brevard Ave, Arcadia, FL 34266 A+5.0 ★Texas Ratio: 0.31% |
Conventional | 1 | 0.5% | 100% | $525,000 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional | 1 | 0.5% | 50% | $125,000 | View |
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3835 Pga Boulevard Suite 305, Palm Beach Gardens, FL 33410 A+5.0 ★Texas Ratio: 2.90% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,175,000 | View |
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300 N Waukesha St, Bonifay, FL 32425 A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.5% | 100% | $555,000 | View |
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1001 3rd Ave W, Bradenton, FL 34205 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 1 | 0.5% | 100% | $965,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.5% | 100% | $595,000 | View |
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★ 5 stars, 1 review 345 E Main St, Apopka, FL 32703 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 1 | 0.5% | 100% | $845,000 | View |
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540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.5% | 100% | $195,000 | View |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 0.5% | 66.7% | $3,015,000 | View |
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★ 4 stars, 1 review 16763 Se Pear St, Blountstown, FL 32424 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.5% | 100% | $965,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 50% | $575,000 | View |
Freedom Mortgage Corporation
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VA, Jumbo | 1 | 0.5% | 50% | $2,205,000 | |
FineMark National Bank & Trust
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Conventional | 1 | 0.5% | 100% | $695,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 35 | 16.2% | 81.8% | $816,428 | |
Rocket Mortgage
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Conventional, Jumbo, HELOC | 23 +1 HELOCs |
10.6% | 88.9% | $652,826 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, Jumbo, HELOC | 4 +1 HELOCs |
1.9% | 66.7% | $840,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.4% | 100% | $985,000 | View |
loanDepot.com LLC
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Conventional | 3 | 1.4% | 100% | $278,333 | |
Mortgage Research Center
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VA | 3 | 1.4% | 100% | $621,666 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, Jumbo | 2 | 0.9% | 33.3% | $905,000 | View |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 2 | 0.9% | 33.3% | $875,000 | |
HomeXpress Mortgage Corp.
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Conventional | 2 | 0.9% | 50% | $305,000 | |
Citadel Servicing Corporation
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Conventional | 2 | 0.9% | 100% | $460,000 | |
Nations Direct Mortgage, LLC
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Conventional, VA | 2 | 0.9% | 100% | $670,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $565,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 20% | $155,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,605,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 1 | 0.5% | 100% | $2,505,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.5% | 100% | $585,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.5% | 100% | $655,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.5% | 100% | $675,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Primelending
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Conventional | 1 | 0.5% | 100% | $405,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $535,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,065,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 1 | 0.5% | 100% | $995,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 100% | $605,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.5% | 50% | $805,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.5% | 100% | $905,000 | View |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,175,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
Discover Bank
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Conventional | 1 | 0.5% | 50% | $165,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.5% | 100% | $715,000 | |
Nfm, Inc
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FHA | 1 | 0.5% | 100% | $455,000 | |
The Equitable Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $705,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.5% | 33.3% | $885,000 | |
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A+5.0 ★Texas Ratio: 1.41% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 0.5% | 50% | $1,245,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $375,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $575,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.5% | 100% | $705,000 | |
Central National Bank
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Conventional, Jumbo | 1 | 0.5% | 100% | $2,525,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.5% | 100% | $705,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $605,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $655,000 | |
Salem Five Mortgage Company LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,105,000 | |
Champions Funding, LLC
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Conventional, Jumbo | 1 | 0.5% | 33.3% | $1,585,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,285,000 | View |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Coastal Community Bank
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Hightechlending, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-4.9 ★Texas Ratio: 16.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Key West Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Key West, Florida
Looking for mortgage lenders near me or mortgage brokers near me in Key West? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Key West in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Key West, FL
Use these to narrow the list above. Each category shows how many Key West, FL lenders fit and what that kind of lender is usually best for.
Who Lends in Key West, FL
Independent mortgage companies closed 47.2 percent of home loans in Key West, Florida in 2025, banks 49.1 percent and credit unions 3.7 percent. A&D Mortgage LLC was the largest mortgage company, First Horizon Bank the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, Prime Meridian Bank led with 2 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.
More Florida Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Key West, FL
By home loans closed in 2025, First Horizon Bank was the largest mortgage lender in Key West, Florida with 58 loans, about 26.9 percent of the market. The largest lender headquartered in Florida was Prime Meridian Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Key West, Florida, First Horizon Bank approved the highest share of completed applications in 2025 at 84.1 percent, against a 79.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Key West, Florida in 2025, led by First Horizon Bank with 8. 8 lenders closed VA loans, led by First Horizon Bank. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 36 banks and 7 credit unions closed home loans in Key West, Florida in 2025, alongside 41 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Key West, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Key West, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Key West. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
